Accounts and Payments

Complete overview of products and services included in the section Accounts and Payments

This list contains an overview of the products and services included in the Accounts and Payments section of Komerční banka. The product and service overview is arranged in alphabetical order.

• Bank Cheque Issued by KB

  Choose a secure method of settling commercial payments or private liabilities. Komerční banka guarantees cashing of the cheque, so both the recipient and the payer enjoy certainty. We issue bank cheques in several currencies.

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• Business Gold Card

  Obtain a Gold Card for discerning clients. The globally most recognised payment card from VISA and MasterCard. You will enjoy unrivalled payment services, including attractive additional products and travel insurance for gold and silver cards.

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• Business Prestige Card

  Business Prestige Cardis a payment card for your company, with which you will receive  automatic travel insurance for foreign travel. You retain management control over use of the card thanks to the possibility of setting various limits for drawing funds.

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• Business Silver Card

  Make use of business payment cards with high weekly limits. This international payment card will satisfy all demanding clients. With the Business Silver Card, you will enjoy exclusive additional services, especially Travel Insurance for embossed cards.

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• Cash Pooling

  Cash pooling KB is an effective tool for interest optimization. It enables comfortable liquidity management of single entity corporate, as well as economically connected group of corporate clients or municipality. This service offers both, zero balanced accounts and notional option of cash pooling in the Czech Republic or a cross-border alternative. Zero balanced accounts allow physical cash concentration and optimal sharing of all connected accounts' funds. Notional Cash pooling provides interest optimization without real transfer of funds. KB's Cash pooling offers tailor-made solutions in order to meet specific needs of our clients.

• Current Account for Capital Composition

  Prior to their establishment, trade companies are designated a Current Account for Capital Composition for the purpose of fulfilling their statutory obligations.

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• Current Account in a Foreign Currency

  If you would like to make use of all of the products and services offered by Komerční banka, set up a Current Account in a Foreign Currency. You can use the current account to deposit funds and to execute cash and cashless payment transactions. A Current Account in a Foreign Currency is offered in the following currencies: AUD, BGN, CAD, CNY, DKK, EUR, GBP, HUF, CHF, JPY, NOK, PLN, RON, RUB, SEK, TRY and USD.

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• Current Account in CZK

  If you would like to make use of all of the products and services offered by Komerční banka, set up a Current Account in CZK.  You can use the Current Account to deposit funds and to execute cash and cashless payment transactions, especially in CZK. It allows you to enjoy related products and services offered by KB, including an authorised overdraft of up to CZK 3 million.

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• Diners Club Corporate Card

  Diners Club Corporate Card is a type of charge card that you can use as a classical payment or as a credit card. The loan on the card must always be repaid in full by the end of the interest-free period.

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• Direct Channel

  Direct channel allows you to simply and quickly send payment orders and download bank statements directly in the environment of your accounting system. This is a simple and effective supplement to the MojeBanka service. An up-to-date list of accounting systems which Direct Channel is fully integrated into can be found here.

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• Domestic Cashless Payment Transactions

  Quick, convenient, reliable, and diverse – these are the key benefits of domestic cashless payment transactions. It will allow you to execute payment orders, direct debits, express and irrevocable payments in CZK, standing orders, SIPO payments, or arrange direct debits.

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• Domestic Cash Payment Transactions

  At Komerční banka branches, you have the possibility to deposit and withdraw cash in CZK and selected foreign currencies. You also have the possibility to execute foreign exchange transactions even if you are not a client of Komerční banka.

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• Dynamic Card

  A bank card for everyday requirements with lots of attractive discounts and advantages when filling up with fuel. Attractive for all motorists. This Visa Electron card can be used to pay in shops or to withdraw cash from cash machines all over the world.

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• e-Card

  Do you want to be able to make on-line purchases quickly and securely? e-Card is a virtual card that allows you to execute all your on-line transactions quickly and securely.

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• EDI KB

  KB EDI is an electronic banking service for transfer of large volumes of data. You can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments). You can also gain statements from the bank and debit and credit advice about payments just now being cleared on-line.

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• Electronic Pledging of Receivables

  Make use of the simple and administratively undemanding process of electronic pledging of receivables.  As specified in the contract, the client sends lists of receivables signed with an electronic signature via the MojeBanka or Profibanka application at regular intervals.

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• Foreign Payment Transactions

  Execute your foreign payments in quick, secure, and reliable manner with Komerční banka. Benefit from the foreign payment transactions and place nonrecurring/standing payment orders to foreign countries, or make foreign payments in currencies not listed in the list of FX rates.

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• Cheques for Collection

  Komerční banka mediates collection of cheques payable in any domestic or foreign bank. The service is available to KB clients and other cheque holders.

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• Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB

  Komerční banka will arrange for the immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB. With this product, you can hedge against exchange rate risk and be certain that the cheque will be paid out immediately regardless of the amount of the cheque.

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• Immediate Payout of Cheques Made out in a Foreign Currency

  Komerční banka cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately upon presentation. The quality of the cheque and KB’s terms and conditions for cashing of foreign cheques are decisive for cashing of the cheque.

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• KB Deposit ATM

  Except to standard services as cash withdrawal, balance inquiry or mobile services enables cash deposit in KB current account using a debit card issued on this account.

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• KB Komplet

  Make use of aversatile package of banking products and services, which can be drawn up according to your personal requirements. Komplet includes a current account in CZK or foreign currency (or both alternatives), direct banking services, domestic payment transactions, a business payment card and discount on foreign payment transactions (outgoing payments).

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• KB Private Cheques

  KB Private Cheques are intended for anyone interested in issuing cheques. We issue to clients private cheques for all types of current accounts.

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• MojeBanka

  With internet banking, you no longer need to go to the bank. You can carry out your day-to-day banking securely on-line at any time of the day or night. MojeBanka utilises an advanced security solution based on electronic signature standards.

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• MojeBanka Business

  MojeBanka Business – a modern Internet banking service from Komerční banka for simple communication with the bank. MojeBanka Business allows you to gain information about your accounts and to perform banking operations from the comfort of your own home or office at any time of the day or night regardless of branch opening hours. MojeBanka Business utilizes an advanced security solution based on electronic signature standards.

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• MULTICASH

  KB MULTICASH is an international multi-banking system, which allows you to operate accounts held in various banks in the Czech Republic and abroad. Via this single application, you can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments), conveniently and in an automated manner, as well as gaining statements from the bank and debit and credit advice about payments just now being cleared on-line.

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• MyCard

  MojeKarta – a card with your own design. Thanks to the MojeKarta service, you can design your own card just the way you like. You could for example have a picture of a favourite place, pet, your family or friends on the card.

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• Payment of Dividends and Other Direct Payments

  Komerční banka offers the possibility of bulk payment of dividends or similar monetary amounts to a large group of natural persons and corporate entities. The bank performs this bulk payment via the branch network throughout the whole of the Czech Republic. Amounts may be paid out in cash or by means of cashless transfer.

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• Profibanka

  Profibanka PC banking is a KB direct banking product that you can use to comprehensively address your company’s requirements in the field of payment transactions. Operation is very simple and intuitive. The service uses an advanced security solution based on electronic signature standards.

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